CUSTOMIZED FINANCIAL ANALYSIS CLIENT PROFILE (JP Morgan)

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CUSTOMIZED FINANCIAL ANALYSIS CLIENT PROFILE (JP Morgan)

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CUSTOMIZED FINANCIAL ANALYSIS CLIENT PROFILE
PERSONAL AND CONFIDENTIAL Private Client Advisor Date
“Chase Private Client” is the brand name for a banking and investment product and service offering.
Bank deposit accounts, such as checking and savings, may be subject to approval. Deposit products and related services are offered by JPMorgan Chase Bank, N.A. Member FDIC.
JPMorgan Chase Bank, N.A. and its affiliates (collectively “JPMCB”) offer investment products, which may include bank managed accounts and custody, as part of its trust and fiduciary services. Other investment products and services, such as brokerage and advisory accounts, are offered through J.P. Morgan Securities LLC (JPMS), a member of FINRA and SIPC. Annuities are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. JPMCB, JPMS and CIA are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.
INVESTMENT AND INSURANCE PRODUCTS ARE:
• NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, JPMORGAN CHASE BANK, N.A. OR ANY OF ITS AFFILIATES • SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED
© 2018 JPMorgan Chase & Co. (02/18)

CLIENT PROFILE
PERSONAL INFORMATION
Name
Gender
Date of Birth (mm/yyyy)
Employment Status
Employment Income (Gross)
Other Income (non-investment)
Marital Status
$
$
Client (C)
CHILDREN AND GRANDCHILDREN (OR ANY OTHER PARTICIPANT IN THIS ANALYSIS)
State of Residence
$
$
Co-Client (Co)
Name
Date of Birth (mm/yyyy)
Relationship
EXPECTATIONS - WHICH EXPECTATIONS MATCH YOUR VISION OF YOUR RETIREMENT LIFESTYLE? CHECK THE BOX OF WHO HAS WHAT (IF ANY) LIFESTYLE EXPECTATION.
C Co C Co C Co C Co

CLIENT PROFILE
CONCERNS - WHAT WORRIES OR CONCERNS YOU? CHECK THE BOX OF WHO HAS WHAT (IF ANY) CONCERN AND RATE YOUR DEGREE OF CONCERN AS HIGH, MEDIUM, OR LOW
Not having a Paycheck anymore
Running out of money
Suffering investment losses
Leaving Money to Others
Other:
How willing are you to retire later?
What order of retirement do you prefer?
C Co
Degree
Cost of Health Care or Long-Term Care
Current or Future Health Issues
Life Expectancy (living long/
dying early)
Getting Alzheimer’s
(or other illness)
Other:
RETIREMENT AGE - ENTER YOUR RETIREMENT AGE THEN INDICATE HOW WILLING YOU ARE TO DELAY THAT RETIREMENT AGE IF IT HELPS YOU FUND YOUR GOALS.
PLANNING AGE - CONSIDER HOW LONG YOU THINK YOU WILL LIVE IN RETIREMENT
C Co
Degree
Being bored
Too much time together
Parents needing care
Kids mismanaging money
Other:
C Co
Degree
Target Retirement Age
Client (C)
Co-Client (Co)
Are you a smoker?
For your age, how would you rate your health?
Compared to others, how long do your family members tend to live?
Client (C)
Co-Client (Co)
Money
Health
Personal & Family

CLIENT PROFILE
FINANCIAL GOALS
Taking time to define your goals in retirement is important. You’ll want to prioritize your goals into needs, wants and wishes and ensure that you know what it will take to pay for each of your goals. Needs are the critical items such as basic living expenses (housing, food, clothing), health care, and a car or transportation. Wants are those items that if you are not able to realize, you are disappointed and wishes are the things that if you can't realize, you are indifferent... in other words, things that aren’t necessary but would be the icing on the cake.
Prioritizing your goals will help you be aware of what you need to focus on funding and where you can make trade offs, if needed. There are no right or wrong answers.
1. What’s Happening Before You Retire?
If you plan to use money from your Investment Assets (i.e., savings and investment accounts) to pay for any purchases or activities before you retire, you should create a separate Goal for each one.
• Review the Lifestyle Goals on the following pages and identify those that are important to you.
• DO create a Goal for expenses that will be paid (fully or partially) from Investment Assets (e.g., renovating the kitchen, or taking that BIG trip to Europe).
• DO NOT create Goals for any expenses that are paid entirely from your employment income (e.g., cars, annual vacations).
2. Retirement Lifestyle Goals - Start with the fun stuff!
Add a Lifestyle Goal for each significant purchase or activity that will make your retirement satisfying and enjoyable. Lifestyle Goals are above and beyond what you need to pay the basic expenses of day-to-day living.
• Review the Lifestyle Goals again. Which ones are important to your retirement satisfaction?
• Dream a little (or a lot). Create all the Goals you’d like, even if you’re not sure you can afford them.
Identifying individual Lifestyle Goals can help you make better financial decisions, and increase the overall satisfaction you obtain from your money during the rest of your life. You may even discover that you can do more with your money than you ever expected.
GOAL IMPORTANCE
Use this scale in the next few Lifestyle pages to indicate the importance of each Goal on a scale of 10 - 1, with 10 being the most important. This exercise and rating groups your goals by Needs (what you must have), Wants (what you would like to have), and Wishes (what you wish to have).

CLIENT PROFILE
FINANCIAL GOALS – LIFESTYLE NEEDS
Retirement – Basic Living Expense
Everyone must pay the bills. This Goal is for your basic day-to-day living expenses (e.g., food, clothes, utilities, etc.) during retirement. By making your Basic Living Expense a separate Goal, you can see exactly what it takes to pay the bills for the rest of your life.
Be sure you don’t “double count” any expenses during retirement. For example, if you entered a separate Goal for a car, don’t include the purchase cost of this car in your Living Expense, but do include all operating expenses (e.g., gas, taxes, maintenance). If you’re not sure how much money you need, use the Budget Worksheet.
Healthcare
If you believe that Health Care costs such as your Medicare supplement, are likely to be particularly significant for you or your family, use this Goal to separate those costs from your retirement living expense.
Car
Chevy? Lexus? One of each? Is it time for a convertible or sports car? To be sure you’ll be driving what you want, add separate Goals for buying cars during retirement. Use the amount you’ll need after subtracting the trade-in value from the new car price.
Importance 10 - 1
Description
Target Annual Amount (Net)
Need - 10
Retirement – Basic Living Expense
$ OR Use Program Estimate
Importance 10 - 1
Need - 10
Client
Co-Client
Description
Healthcare – Use Program Estimate
Healthcare – Use Program Estimate
$
$
Private Insurance Prior to Medicare (age 65)
Importance 10 - 1
Description
Year
At Ret
Start
Target Amount
Frequency (Ann, Mon, etc)
How Many Times
$
$
$

CLIENT PROFILE
FINANCIAL GOALS – WANTS AND WISHES
Travel - One Special Trip and/or Recurring Travel Fund
Create Travel Goals for one special trip, or for a recurring travel.
College Goal
If you plan to pay for all or part of a college education make sure you have a Goal for it.
New Home
Are you ready to trade-up or just want more space? Make it a Goal and make it come true.
Start Business
If you plan to start a business or buy a business franchise, make it a Goal and make it a success.
Wedding
If you plan to pay for all or part of the cost of a wedding, include it as a Goal.
Private School
Do you want to give your kids or grandkids the benefit of a private school education? Make it a Goal.
Anything Else / Other
Home Improvement
Do you have plans to renovate? Create Goals for major home improvements and repairs.
Provide Care for Someone
If you need money to take care of someone you love make sure you have a Goal to pay for it.
Major Purchase
You’ve always wanted a _______? Whatever it is, go for it. Fill in the blank, and make it a Goal.
Leave Bequest
Create bequests for the money you’d like to leave at your death to family, friends, charities and institutions.
Celebration
What special events do you look forward to celebrating? A celebration can make a great Goal.
Gifts - Donations – Help
Use Gift Goals for anything from holiday presents to cash gifts for family members or organizations.
Did we miss something? If it’s expensive or important and doesn’t have its own picture – make it an Anything Else Goal, but be sure to add a good description.

CLIENT PROFILE
FINANCIAL GOALS: LIFESTYLE WANTS
Importance 10 - 1
Description
FINANCIAL GOALS: LIFESTYLE WISHES
Description
FINANCIAL GOALS: BEQUEST WANTS / WISHES
Description
Start OR At Year Ret
Start OR At Year Ret
$
$
$
$
$
$
$
$
Target Amount
Frequency (Ann, Mon, etc)
How Many Times
Importance 10 - 1
$
$
$
$
$
$
$
$
Target Amount
Frequency (Ann, Mon, etc)
How Many Times
Importance 10 - 1
Recipient
$
$
$
Target Amount
$

CLIENT PROFILE
SOCIAL SECURITY BENEFITS - IF AVAILABLE, PROVIDE YOUR SOCIAL SECURITY STATEMENT
Are you eligible?
Benefit Amount
When to start
Client (C)
Yes No Receiving Now
$ __________ Program Estimate Primary Insurance Amount (PIA) $
at Full Retirement Age (FRA)
at age _____ at retirement
Co-Client (Co)
Yes No Receiving Now
$ _________ Program Estimate Primary Insurance Amount (PIA) $
at Full Retirement Age (FRA)
at age _____ at retirement
OTHER RETIREMENT INCOME - DON’T INCLUDE INTEREST OR DIVIDEND INCOME FROM YOUR INVESTMENTS. INCLUDE INCOME FROM PART-TIME WORK, RENTAL PROPERTY, ANNUITIES, ROYALTIES, ALIMONY, ETC. ALL AMOUNTS ARE PRE-TAX AND BEGIN AT RETIREMENT UNLESS OTHERWISE NOTED.
Description
$
$
$
$
$
$
Client (C)
Monthly Yr Ends OR Income # of Yrs
$
$
$
$
$
$
Co-Client (Co)
Monthly Yr Ends OR Income # of Yrs
PENSION INCOME - IF AVAILABLE, PROVIDE YOUR PENSION STATEMENT. IF YOU HAVE A LIFETIME PENSION, PUT “END OF LIFE” IN “YEAR ENDS” COLUMN.
Description
Owner
Monthly Income
Yr Ends OR
# of Yrs
% Survivor Benefit
Will Income Inflate?
$
$
$
$
$

CLIENT PROFILE
INVESTMENT ASSETS- IDENTIFY ALL THE RESOURCES YOU HAVE TO FUND YOUR GOALS... REASONABLE ESTIMATES ARE FINE. IF AVAILABLE PROVIDE YOUR INVESTMENT STATEMENTS.
Retirement Plans (401k, 403b, etc)
Owner
Current Value
Your Annual Contribution
Company Match
$
$
____ % of ____%
$
$
____ % of ____%
$
$
____ % of ____%
$
$
____ % of ____%
Other Qualified
(IRA, Roth, IRA Annuities, etc.)
Owner
Current Value
Your Annual Contribution
$
$
$
$
$
$
$
$
Other Non-Qualified (Joint Taxable, Annuities, etc.)
Owner
Current Value
Your Annual Contribution
$
$
$
$
$
$
$
$
$
$
$
$
Approximate Asset Allocation
(if statements not included)
% Stock
% Bond
% Cash
% Alternative
Could you save more to fund your goals?
If “yes”, enter the maximum amount you could save IN ADDITION to the amounts above:
$
(program estimates 5% of gross employment income)
How willing are you to save more?

CLIENT PROFILE
OTHER ASSETS
Do you intend to sell this home or business to fund your goals?
Primary Residence
Business
Owner
$
$
Current Value
Expected Growth Rate (%)
Primary Residence
Business
Year to Sell?
$
$
Low
Estimate of Cash Received (after-tax)
$
$
Expected
$
$
High
Other Assets (Other Homes, Real Estate, Personal Property, Collectibles, etc.)
Description
Owner
Current Value
Are you planning to sell this asset?
Year to sell
After-tax cash received
$
$
$
$
$
$
Description
Owner
Current Balance
Monthly Payment
Term
Interest Rate (%)
$
$
$
$
$
OTHER LIABILITIES

CLIENT PROFILE
ADDITIONAL ITEMS
Stock Options
Restricted Stock
Deferred Compensation
Small Business
Other: ________________
Group / Term Life Insurance
Death Benefit
Group / Term Life Insurance
Death Benefit
Cash Value Life Insurance
Death Benefit
Cash Value
Disability Insurance
Long Term Care Insurance
$
$
$
$
Client
Client
$
$
$
$
Co-Client
Co-Client
Notes
Notes
Do you have a Will?
Do you have a Medical Directive
Do you have a Power of Attorney
Last reviewed by qualified estate planning professional (mm/yyyy)?
Client
Co-Client
Notes

CLIENT PROFILE
RISK ASSESSMENT
What is your age?
Age Not Applicable – for use with entities Younger than 45
45 to 54
55 to 64
65 to 84
85 or Older
When is the earliest that you anticipate needing all or a substantial portion of your account(s)? 3 to 5 years
6 to 10 years 11 to 15 years Over 15 years
When do you anticipate beginning to take any type of regular withdrawals from your account(s)? < 3 years
3 to 5 years
6 to 10 years 11 to 15 years Over 15 years
Which best describes your investment objective?
Current income is my primary objective with growth being secondary. Growth is my primary objective with current income being secondary. Growth is my only objective.
How would you best describe your tolerance for fluctuation in the value of your portfolio? Low. I am willing to accept minimal risk to my portfolio in order to grow my portfolio.
Moderate. I am willing to accept some risk to my portfolio and also the potential for some losses in order to grow my portfolio.
High. I am willing to accept more risk and also the potential for higher losses to my portfolio in order to grow my portfolio or produce current income.
Very High. I am willing to accept high risk and also the potential for significant losses to my portfolio in order to aggressively grow my portfolio or produce high current income.

CLIENT PROFILE
RISK ASSESSMENT (CONTINUED)
The chart below shows the greatest potential one-year loss and one-year gain on three hypothetical portfolios valued at $100,000. Given the potential gain or loss in any one year, in which of the options would you invest your money?
Suppose that over the past 18 years, one of your investments had the following pattern of annual returns. This return pattern is consistent with similar investment options with the same objective. What would you do at this point?
Portfolio with Least Volatility Portfolio with Medium Volatility Portfolio with Most Volatility
I would sell all of the investment.
I would sell some of the investment.
I would hold on to my existing investment.
I would buy some more of the investment.
I would be satisfied with an investment that is expected to only keep pace with inflation and am willing to accept low risk for potentially low returns.
I prefer an investment that is expected to moderately outperform inflation and am willing to accept moderate risk for potentially moderate returns.
I prefer an investment that is expected to outperform inflation and am willing to accept a high level of risk for potentially higher returns.
I prefer an investment that is expected to substantially outperform inflation and am willing to accept a very high level of risk for potentially substantial returns.
Inflation can greatly erode the return on your investments. In a hypothetical year with a 3 percent inflation rate, an investment with a 7 percent return would have a post-inflation return of only 4 percent. Which of the following best summarizes your attitude regarding investments and inflation?

CLIENT PROFILE
BUDGET WORKSHEET - OPTIONAL TO HELP DETERMINE BASIC LIVING EXPENSE
PERSONAL AND FAMILY EXPENSES
Alimony
Bank Charges
Business Expense
Cash – Misc
Charitable Donations
Child Allowance / Expense
Child Care / Child Support
Clothing
Credit Card Debt Payment
Dining
Entertainment / Club Dues
Gifts
Groceries
Heatlhcare
Hobbies
Household Items
Personal Care / Dry Cleaning
Pet Care
Recreation
Vacation / Travel
Other
TOTAL
Fuel
VEHICLE EXPENSES
Loan / Lease
Insurance
Property Taxes
Repairs / Maintenance
Parking / Tolls
Other
TOTAL
Current
Current
Retirement
Retirement
PERSONAL INSURANCE EXPENSES
Disability for Client / Co-Client
Life for Client / Co-Client
LTC for Client / Co-Client
Medical for Client / Co-Client
Umbrella Liability
Other
TOTAL
Equity LoC
Electricity
Gas / Oil
HOME EXPENSES
Mortgage / Rent
Real Estate Taxes
Homeowner’s Insurance
Associations Fees
Trash / Water / Sewer
Cable / Satellite TV
Internet
Cell Phone / Telephone
Lawn Care
Maintenance
Furniture
Other
TOTAL
TOTAL ALL EXPENSES
Personal and Family Expenses
Vehicle Expenses
Home Expenses
Personal Insurance Expenses
TOTAL
Current
Current
Current
Retirement
Retirement
Retirement

CLIENT PROFILE
NOTES
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